Adoption Line of Credit

Thinking of expanding your family by adopting a child?

At VyStar Credit Union, we understand that the often-high costs of adoption—including agency, legal and documentation fees and more—can quickly deplete a savings account. But that doesn’t mean you have to postpone your dream of growing your family. If you don’t have the funds you need to cover the expenses, VyStar’s Adoption Line of Credit (LOC) is one option that could help you achieve your family goals.*

With VyStar’s Adoption LOC, qualified members can receive an LOC between $5,000 and $100,000 to use toward the costs of adopting a child under 18 years of age, with the following terms:

Payment

2% of loan balance during three-year maximum draw period
$25 minimum monthly payment
Fixed payments for remaining seven years

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VyStar’s Adoption Line of Credit: Bringing Families Together

Read how a unique financial tool can help provide relief during the often complex and costly process of adoption from our President/CEO Brian Wolfburg. It is an initiative that hits very close to home for him.

Frequently Asked Questions

What can I use the VyStar Adoption LOC for?

Qualified members can use the VyStar Adoption LOC toward the costs associated with adopting a child less than 18 years old.

Can I use the funds from my Adoption LOC toward travel for a foreign adoption?

Yes, qualified members can use the funds from their Adoption LOC toward travel for a foreign adoption.

*All loans and accounts are subject to approval. Programs, rates, terms and conditions are subject to change at any time without notice. Adoption agency agreement signed within 12 months prior to application required.